Credit Card Usage Statistics in Finland (2026)
47.4% of adults in Finland used a credit card in 2021, World Bank Global Findex data show. Essentially no change from 47.4% in 2017 to 47.4% in 2021. Finland ranks #8 of 46 economies in Europe & Central Asia on this measure, and #15 of 142 globally.
Key Statistics
- Latest value (2021)
- 47.4% (2021)
- Credit Card Usage in Finland as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- 0 pp (2021)
- Essentially no change from 47.4% in 2017 to 47.4% in 2021.
- Earliest value in this dataset (2014)
- 50.3% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 50.3% in 2014 to 47.4% in 2021.
- Peak value (2014)
- 50.3% (2014)
- Highest value in the available series; the 2021 value is 47.4%.
- Rank in Europe & Central Asia
- #8 of 46 (2021)
- Finland ranks 8 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #15 of 142 (2021)
- Finland ranks 15 of 142 countries with data globally.
- Europe & Central Asia average
- 26.3% (2021)
- Finland (47.4%) is above the average of 26.3% across the 46 countries in Europe & Central Asia with data.
- Owns a credit card (% age 15+) (2021)
- 65.3% (2021)
- Related indicator from World Bank Global Findex.
- Internet use in Finland (2024)
- 93.7% (2024)
- 93.7% of the population in Finland used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 5.6 million (2024)
- Finland had a population of 5.6 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 47.4% | +0.0 pp |
| 2017 | 47.4% | −3.0 pp |
| 2014 | 50.3% | — |
Frequently asked questions
What share of adults in Finland used a credit card?
47.4% of adults in Finland used a credit card in 2021, according to World Bank Global Findex data.
How has credit card usage in Finland changed over time?
World Bank Global Findex data show a decline from 50.3% in 2014 to 47.4% in 2021.
How does Finland compare with other countries in Europe & Central Asia?
Finland ranks 8 of 46 countries in Europe & Central Asia with data, with 47.4% versus a regional average of 26.3% (latest values per country).
Where does Finland rank globally on credit card usage?
Finland ranks 15 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Source & methodology
Source: World Bank Global Findex, indicator
fin22g, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .